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PFISNasdaqNational Commercial BanksFiscal year ends December 31

PEOPLES FINANCIAL SERVICES CORP.

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$67.66−0.64 (-0.94%)

Close on Oct 19, 2026

Market cap
$679.04M
P/E (TTM)
12.0
Dividend yield
3.65%

Peoples Financial Services statistics

Financials through Jun 30, 2026, price as of Oct 19, 2026, median of National Commercial Banks companies for comparison

Valuation

MeasurePeoples Financial ServicesIndustry median
Market Cap$677.30M$679.86M
Enterprise Value$506.38M$408.94M
PE Ratio11.9812.00
PS Ratio3.473.61
PB Ratio1.261.18
P/TBV Ratio1.551.41
P/FCF Ratio15.0810.93
P/OCF Ratio12.6710.04

Enterprise value

MeasurePeoples Financial ServicesIndustry median
EV / Sales2.592.78
EV / FCF11.288.25

Income (trailing twelve months)

MeasurePeoples Financial ServicesIndustry median
Revenue$195.34M$170.85M
Pretax Income$70.50M$70.12M
Net Income$56.77M$54.33M
EPS (Diluted)$5.65$2.90

Margins

MeasurePeoples Financial ServicesIndustry median
Pretax Margin36.1%36.4%
Profit Margin29.1%29.1%
FCF Margin23.0%33.0%

Returns

MeasurePeoples Financial ServicesIndustry median
Return on Equity (ROE)11.0%10.5%
Return on Assets (ROA)1.08%1.12%

Growth

MeasurePeoples Financial ServicesIndustry median
Revenue Growth (YoY)6.52%11.8%
Net Income Growth (YoY)68.4%23.1%
EPS Growth (YoY)69.2%22.7%
FCF Growth (YoY)0.09%27.1%
Revenue Growth (3Y CAGR)20.4%5.82%
Revenue Growth (5Y CAGR)14.2%6.17%
EPS Growth (3Y CAGR)3.65%1.26%
EPS Growth (5Y CAGR)8.01%8.24%

Balance sheet

MeasurePeoples Financial ServicesIndustry median
Cash & Short-Term Investments$256.25M$205.54M
Total Debt$85.33M$177.19M
Net Cash (Debt)$170.92M$164.40M
Net Cash Per Share$17.07$8.13
Equity (Book Value)$536.19M$560.44M
Book Value Per Share$53.56$28.47
Tangible Book Value$435.58M$472.29M

Financial position

MeasurePeoples Financial ServicesIndustry median
Debt / Equity0.160.20
Debt / FCF1.901.81

Cash flow (trailing twelve months)

MeasurePeoples Financial ServicesIndustry median
Operating Cash Flow$53.47M$61.20M
Capital Expenditures-$8.56M-$4.02M
Free Cash Flow$44.91M$52.43M
FCF Per Share$4.49$3.07

Efficiency

MeasurePeoples Financial ServicesIndustry median
Asset Turnover0.040.04
Revenue Per Employee$357.12K$353.78K
Profits Per Employee$103.79K$107.28K
Employee Count547489

Dividends and yields

MeasurePeoples Financial ServicesIndustry median
Earnings Yield8.38%8.07%
FCF Yield6.63%8.89%
Dividend Yield3.65%2.48%
Shareholder Yield3.65%3.13%
Dividend Per Share$2.47$0.93
Dividend Growth (YoY)19.9%4.26%
Years of Dividend Growth92
Payout Ratio43.7%29.4%
FCF Payout Ratio55.3%26.0%

Shares

MeasurePeoples Financial ServicesIndustry median
Shares Outstanding10,010,40018,839,100
Shares Change (YoY)0.01%0.39%
Shares Change (QoQ)-0.00%0.00%
Float9,170,34017,061,900
Shares Held by Insiders8.39%5.89%
Shares Held by Institutions35.6%61.9%

Taxes

MeasurePeoples Financial ServicesIndustry median
Income Tax$13.73M$14.50M
Effective Tax Rate19.5%21.1%

Scores

MeasurePeoples Financial ServicesIndustry median
Graham Number$82.52$45.31
Graham Upside22.0%21.6%
Altman Z-Score0.190.21
Piotroski F-Score56

Calculated by StockData from Peoples Financial Services's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.